How about refusing to dispute items after 1 dispute. I have tradelines that never update unless I dispute them. My car loan on there had NEVER updated since the initial report, so I disputed it last october. That's the last time that account was updated. I tired to dispute again last week to force an update, and they responded that the item had already been disputed. I faxed them a copy of my current statement from the loan company, showing current balance - no response. Breeze ====================== And you feel that their customers deserve your business. lb quote: -------------------------------------------------------------------------------- "...from these honored dead, we take increased devotion to that cause for which they here gave the last full measure of devotion -- that we here highly resolve these dead shall not have died in vain... ~Abraham Lincoln, Gettysburg Address~ --------------------------------------------------------------------------------
Dave, What do you think about Experians refusal to delete addresses? They REFUSED to delete incorrect addresses and previous ones that I hadn't lived at in over 10 years. Also, Equifax tends to do alot of soft inquiries, and I know that several posters have been unable to access their reports online even though a service to view it had been paid for.
Count me in--I have maintained documentation of all my disputes and replies, including info. from creditors showing that EQ has purposely chosen to ignore info from creditors that should have been updated. cariba---------------- =============== ========== ========= When they won't do it for their own customer what chance do we have that they will do anything for us?
there is something i do not understand about this thread. Lot of complaints. Lots of violations of law. Lots of evidence. Lots of willingness to participate in (class action) litigation Lots of acknowledgement that, regrettably, most of these matters are not suitable for class actions because the damages vary. Why aren't folks suing for these violations individually?
Some of us are, but going to court is a very intimidating experience for some. It's going to take a few more people to come up with wins to give others the courage to file and show up. Patience my friend, the tide is turning and those of us on this site are riding the wave. CBJ
If a person has credit problems, they usually lack the most important thing to make their problems go away, (no not money) TIME! When you are working two jobs, scrambling to take care of your family and trying to straighten your life out, the last thing on your mind is to "get even" with the CRA's,who, after all,didn't actually CREATE your problem. That's why there are so few indvidual law suits
Erica, Have you tried to call EX to delete addresses? I have helped a bunch of people with their CR's and haven't been denied once. Charlie
Yeppers. They REFUSE to delete them. Even if the place where I used to live wasn't an apartment and had an apartment number. Their reasoning....A creditor reported it that way, so it's gotta stay. Like a creditor knows where I live better than I do....
I had to move my house to a DRAINAGE DITCH...BECAUSE FLEET SAID I LIVED AT THAT ADDRESS!!! Luckily I checked for the bill on-line and didn't have any lates...SINCE IT TOOK 3 MONTHS TO MOVE MY HOUSE BACK!!!!!!!!!
Once again, section 603 says a consumer file is ALL the information about the consumer, section 611 says they have to investigate ANY information in the FILE a consumer disputes. This is another slam dunk wilful noncompliance suit.
We used to DREAM of living in a drainage ditch. Woulda' been a palace to us. We used to live in an old water tank on a rubbish tip. We got woken up every morning by having a load of rotting fish dumped all over us! -Peace, Dave
Dates of late payments Trans Union, dates of late payments http://consumers.creditnet.com/straighttalk/board/showthread.php?postid=181306
Me too... I will be glad to participate and contribute (past documentation/reports/other evidence) to the class action... I only ask that my "name" be excluded from actions against TU since they have done a "wonderful" job with my lawsuit settlement... I'll go "100 MPH" against Experian and Equifax though...
Count me in on the Class Action lawsuit against Equifax for refusing to investigate inquiries. How do I sign up?
Re: Me too... Hush money will do that to you, Ted. -------------------- I'll put up a $100 deposit to the lawyer which the class can return it if and when it wins.
Re: Me too... Dave, The LACK, complete lack, of reporting a date as a commencement of delinquency date. Information furnishers are required to furnish a "commencement of delinquency date" within 90 days of listing to be in compliance with the FCRA, yet no where can you find it. There was a lot of whining about that specific requirement during the hearings for the changes and in subsequent FTC opinion letters because most automated accounting systems that were being used by the creditors didn't allow for it or started tracking at a later date. It's a specific reporting requirement however, that's clear and remains clear, it needs to be reported and disclosed because that's what the 7 year determination is based on. Sassy
